Can You Get Life Insurance After A Serious Accident?

Some people are lucky enough to go through life and avoid any bad accidents or unfortunate things happening to them, but that’s not the case for everyone. Being in a serious accident can completely change your view of the world. Things that had seemed so clear-cut before now might seem uncertain, and you could be thinking more about the future and how you can prepare for it.


Life insurance can’t protect you from what’s already happened, but it can act as a safety net for your future. Here’s what you should know about securing cover if you’ve been in a serious accident.

 

Can I get Life Insurance if I’ve had a serious accident?


If you have had a serious accident but have now fully recovered, then the accident shouldn’t affect your ability to secure life insurance. 


Unfortunately, if you’ve had a serious accident, you could be left with physical and mental injuries that take months to heal, and in some cases, you could have life-long health issues. If you do have lasting injuries then it could impact your ability to secure life insurance. 


If I have been in an accident will I pay more on my premiums?


Your health could have a big impact on how much you pay in monthly premiums. This is because it’s one of the things an insurer will use to access how much of a risk it would be to insure you.


When comparing quotes with Choozi, you fill out a few basic questions about your current health. If you have any serious health issues as a result of your accident you can include any information about it in this section. It shouldn’t stop you from getting a policy but it could mean that you might end up paying more for your life insurance than someone who’s in good health.


How can insurance help me to better prepare for the future? 


Nobody expects to have a serious accident but unfortunately, that doesn’t mean it can’t happen to you. If you’ve had a serious accident you might be wondering how you could better protect yourself in the future.


Life is unpredictable, so the best way to prepare for the future is to plan for the worst. One simple and easy option to help you prepare for your future could be by securing life insurance. Depending on what protection you choose, life insurance could help to keep your family afloat if you were to suffer from a serious illness or injury, or if you were to suddenly pass away. 


It might not be the most cheerful topic, but a little bit of planning now could give you some peace of mind knowing that your loved ones will be in safe hands if the worst happened.


What life insurance should I get?


There are lots of different types of life insurance available, so when you start looking for cover it’s important to know what you want it to do for you. Do you want protection that acts as a financial cushion if you were to suffer from a serious illness or injury? Do you just want to make sure your bills are looked after if the worst happened? Or maybe you want to make sure your family home is protected should something happen to you? 


Whatever your protection needs are, we can help you find the right policy for your family. After all, when it comes to something as important as your loved ones, we know that getting it right means everything. 


Where do I start?


If you’ve had a serious accident in the past, or you simply want to better prepare for the future, securing life insurance is an easy way to help protect you and your loved ones. You can start comparing quotes from leading UK insurers online today to find a tailored policy that suits your needs. 


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